𝖱𝖾𝖺𝖽𝗒 𝗍𝗈 𝖡𝗎𝗒? 𝖧𝖾𝗋𝖾'𝗌 𝖧𝗈𝗐 𝗍𝗈 𝖲𝖾𝖼𝗎𝗋𝖾 𝖸𝗈𝗎𝗋 𝖥𝗂𝗇𝖺𝗇𝖼𝗂𝗇𝗀 𝗐𝗂𝗍𝗁 𝖢𝗈𝗇𝖿𝗂𝖽𝖾𝗇𝖼𝖾

So you're ready to buy a home and that is super amazing! But unless you're bringing all cash to the table (and if you are, power move), you're going to need financing. And getting pre-approved early is one of the smartest things you can do in this market.

Here’s exactly what the financing process looks like when you work with the Nickle Team:

📝 Step 1: Loan App + Required Docs

Before a lender can issue a pre-approval, you’ll need to gather a few essentials:

• 2 years of tax returns

• Recent pay stubs

• Two months of bank statements

• Asset documentation like 401(k)s or brokerage accounts

Having these ready upfront keeps your file moving quickly — especially in multiple-offer situations.

💡 Step 2: Review Loan Programs

Loan options vary based on credit, property type, and your financial goals. Our trusted lender partner Alex Daniel with Envoy Mortgage will walk you through your best fit — whether that’s FHA, VA, USDA, or Conventional.

📌 Alex Daniel – Branch Manager
📱 (714) 745-7399
📧 Alex.Daniel@envoymortgage.com
🌐 Apply with Alex

• Alex is licensed in CA and known for making the pre-approval process seamless and stress-free.

💰 Step 3: Down Payment, Terms, and Rates

Alex will break down all your options based on what works best for your budget and lifestyle. Some programs start as low as 0% down — and he’ll always prioritize the best rate for your goals.

📄 Step 4: Get Pre-Approved (Not Just Pre-Qualified)

We don't play guessing games. A full pre-approval includes verified documents and a credit check — making your offer stronger and giving sellers peace of mind.

• The Nickle Team won’t submit an offer unless you’re fully pre-approved. We protect your position and negotiate from strength. 

🎯 Bottom Line

Financing doesn’t have to be overwhelming. With the right lender and a team that knows the ropes, you’ll feel confident and prepared every step of the way.